Mower Finance logo

Landscape equipment financing & leasing

$200-$50K CONSUMER | $500-$500K COMMERCIAL

pERSONAL APPLY BUSINESS APPLY
  • EGO logo
  • Echo logo
  • Ryobi logo
  • Western logo
  • Husquvarna logo
  • Snapper logo
  • Scag logo
  • Exmark logo
  • generac logo
  • Toro logo
  • Grasshopper logo
  • Cub Cadet logo
  • Spartan logo
  • Craftsman logo
  • dk2 logo
  • Bad Boy logo
  • Dixie Chopper logo
  • Stihl logo
  • Billygoat logo

ALL LANDSCAPE EQUIPMENT – ALL SEASONS

We believe in supporting small businesses by making commercial landscaping equipment attainable. Start a business, add services, or launch a side hustle with great equipment and a little help from Mower Finance. We’re known for our lawn mower financing & leasing, but we’re experts in all types of outdoor power equipment for all seasons.

  • Zero-turn Mowers
  • Lawn Tractors
  • Riding Mowers
  • Stand-On Mowers
  • Push Mowers
  • Mower Accessories
  • Trailers
  • Chippers
  • Aerators
  • Power Washers
  • Leaf Blowers
  • Handheld Landscape Equipment
  • Trenchers
  • Riding Leaf Blowers
  • Equipment Bundles (multi-brand OK)
  • Snow Plows
  • Snow Blowers
  • Salt Spreaders
  • Compact Tractors & Excavators
  • Power Tools
  • Generators
  • Arborist Supplies & PPE
  • Fleets
  • Chainsaws
  • Husqvarna PPE helmet
    Personal Protection Equipment
  • Billy Goat Leaf Blower
    Leaf Blowers
  • Snow Plow 600x400 1
    Snow Plows
  • Husqvarna handhelds
    Handhelds
  • Husqvarna commercial zero turn mower
    Commercial Mowers
  • Salt Spreader 600x400 1
    Salt Spreaders
  • Husqvarna Robotic mower
    Robotic Mowers
  • Husqvarna landscaper package
    Landscaper Packages
  • Husqvarna arborist package
    Arborist Packages
  • Toro snow blower
    Snow Blowers
  • Husqvarna residential zero turn mower
    Residential Mowers
All Credit Profiles
Considered
New & Used
Equipment
Early Purchase
Options
Bundle Multiple
Items

LANDSCAPE EQUIPMENT PROGRAMS

Mower Finance powered by Terrace Finance represents a network of payment solution providers serving the full spectrum of credit profiles and dollar amounts. Our program lineup is curated to handle the business and personal landscape equipment finance needs for the most people with unmatched range and a hassle-free process.

Personal

Transactions of

$50 -$50K

Applications in the name
of an individual

Commercial

Transactions of

$500 and Up

Applications in the name
of a business

Municipal

Transactions of

$15,000 and Up

MUNICIPAL APPLICATION
Applications in the name of a city, county, state or other government entity

Mower Finance Powered by Terrace Finance is not a lender. We route applications through our network of payment solution providers.
Approval and approval amount are subject to credit eligibility and not guaranteed. Program availability varies by product and state. Must be 18 or older to apply.

PERSONAL APPLY bUSINESS APPLY

HOW IT WORKS

icon how it works APPLY circle navy

APPLY

Apply online through our simple application powered by Terrace Finance. Reach out to our live customer care team any time during the process if you have questions or need help:
Call: 888-509-1370
Text: 877-202-4165

GET MATCHED ICON

GET MATCHED

We route your application through the Terrace Finance payment provider network to find a payment solution for your unique credit profile. Once approved you’ll know your purchasing power!

Commercial customers may be contacted to better understand their business goals.

SHOP ICON

SHOP

You will receive instructions on how to take your approval to a member of the Mower Finance Dealer Network or to an out-of-network dealer of your choice.

You have 30 days to use your approval, so you can take your time choosing the right model!

FINALIZE ICON

FINALIZE

Review and e-sign the documents, and we’ll finalize the transaction with the merchant lickety-split so you can start mowing!

NATIONWIDE NETWORK OF EQUIPMENT DEALERS

Enter your zip code to find equipment dealers near you.
We also work with Home Depot & Lowes.

      PERSONAL APPLY bUSINESS APPLY

      FREQUENTLY ASKED QUESTIONS

      A: Apply online through the apply link on this page or on our site. The Terrace Finance platform will work to match you with a compatible lender/lessor and return a finance offer to you*.

      Once approved, you will know how much you have to shop with. Look for an email from our Customer Care team (info@terracefinance.com) with instructions on how take your approval to a member of the Mower Finance Dealer Network, order from a national chain through us, or use an out-of-network dealer.

      You have 30 days to shop around to different dealers and select the perfect model for you.

      If any point you have any questions or concerns, Customer Care is here for you.
      Call: 888-464-6256
      Text: 877-202-4165

      When your product choice has been made, a Customer Care team member will help you fulfill your order with the merchant. When your contract with the lender/lessor is signed, your items will be released to you or ordered and scheduled for delivery or pick up (if available).

      Pay over time through the lender/lessor.

      *Approval and approval amount are subject to credit eligibility and not guaranteed. Must be 18 or older to apply

      A: Terrace Finance is the parent company of Mower Finance and provides the application portal and lender/lessor network portion of our service. Mower Finance is the equipment dealer network portion of our service. Note the “powered by Terrace Finance” under the Mower Finance logo. You are in the right place!

      A: When submitting an application, the following information will be required:

      • Personal Information (name, address, phone number, SSN, etc.)
      • Employment Information (status of employment and employer name)
      • Income
      • Additional details such as banking information, proof of income, monthly housing cost (ie rent or mortgage), may be required depending on the provider and program you are matched with.

      A: If you prefer the contract to be in the name of your busines, then you must complete the commercial application.

      If you don’t have a business, but just want commercial grade equipment, complete the consumer application. If the equipment is mostly for personal use, but you might service a few lawns occasionally to make extra cash, then complete the personal application.

      A: Our lenders/lessors offer programs that cover consumers across the credit spectrum from perfect credit to no credit. Qualifications vary by the lender/lessor but in addition to credit score, most providers take a look at payment history, debt-to-income ratio, income, and employment. We pride ourselves on providing a pathway to ownership for people with less than perfect credit, however approval and approval amount are not guaranteed.

      A: The answer is YES! But we dislike the terms “bad credit” or “challenged credit” or “subprime credit”. Can we just call it “less-than-perfect credit”? While we can’t approve everyone, it is our mission to help more people get the lawn mower they need through our hassle-free process. We’ve curated our payment solution provider network to provide options for a wide range of credits: good credit, average credit, challenged credit, as well as those with no credit history.

      A: YES! For new businesses, the decision is based on your personal credit and industry experience. Helping newbies just starting out is our specialty, so by all means, complete the commercial application. We’d like to help you build your business credit history.

      A: Short answer: maybe…Terrace Finance conducts what is called a “soft credit pull” to take a glance at your credit score and route your application to a lender that is within range. A soft credit pull does not affect your credit score.

      Once you are routed to a lender/lessor, they may need to conduct a “hard credit pull” to confirm eligibility. This is a necessary step for many lenders/lessors, especially when the requested dollar amounts are higher.

      If you are routed to a No Credit Needed provider based on our soft inquiry, then no hard credit pull will occur.

      Review our credit pull policy here:

      Credit Pull policy

      More information on soft & hard credit inquiries and how they affect your score can be found on the FICO site: https://www.myfico.com/credit-education/credit-reports/credit-checks-and-inquiries.

      A: There is no one rate. We work with multiple payment solution providers that service a range of credit profiles. Terms and costs vary by the provider and program you are matched with during the application process. With multiple providers available, it is not possible for us to know before you apply, which program you will be a candidate for or provide an accurate quote.

      Estimates for personal programs can be calculated here.

      Estimates for commercial transactions can be calculated here.

      Upon approval you will be given payment specifics and, depending on the lender/lessor, term length options which affect the payment and total cost. You are under no obligation to sign the final agreement unless the offer meets your needs.

      Commercial customers may call us to speak with a Commercial Team member about being given a free proposal before beginning the application.

      A: The most common reasons for being declined or assigned a different provider with a smaller approval amount after being approved is misstated income. Please be mindful when completing the application not overstate your income. This will be discovered in the verification process.
      Another culprit could be an invalid ID.

      A: Click the LOG IN link in the topbar at mowerfinance.com. Enter the email you used when applying. Click Forgot Password and follow the prompts to set a password. Once you are in the portal, click on Existing Applications to see the status or your offer.

      In addition, Terrace Finance sends text and email notifications from info@terracefinance.com. Most of our payment providers also send communications via email/text, so be on the lookout.

      A: It is very likely that we have a participating mower dealer near you! There are over 4000 landscape equipment dealers in the Mower Finance Dealer Network. Click on FIND DEALERS NEAR ME here and type your zip code into the search window. We can also work with your favorite dealer even if they are not listed, just give us a call at 888-509-1370 to arrange.

      We also work with Home Depot and Lowes. Just collect your product links and we will take care of the transaction for you and arrange for pick up or delivery.

      A: While we love mowers and deal in landscape equipment all day long, the best place to find information on specific makes and models is to speak to a salesperson at a dealership. Before you go, a good sales person will want to know your answers to the following in order to best help you:

      • Will the mower be for business or personal use?
      • How large is your property or how many lawns do you estimate you will mow per week?
      • What is your budget (that’s why we encourage you to apply before shopping)
      • What are the shortcomings of your current machine if you have one.
      • Are you looking to increase efficiency? Upgrading to larger deck or faster machine may be a consideration.
      • Are you open to the idea of pre-owned equipment? This can be an economical way to great mower.

      A: Go ahead and reset your password by clicking the “Forgot Password?” link under the window and following the prompts.

      A: We are here for you! A live Customer Care team member will be happy to assist you over the phone at 888-464-6256 or via text at 877-202-4165 during business hours.

      If you need to take a break, or go hunt for documents, don’t worry. Your progress will be saved. You can log back in to continue. The login button can be found in the upper right corner of our website or you can follow the link in the welcome email you received (from info@terracefinance.com).

      A: If you intend to shop with Home Depot or Lowes, you must apply online through any of our Mower Finance apply buttons.

      If you have a dealer in mind, and see them on our dealer map, you can apply at the store. Be sure to bring your ID, banking info (such as a statement or acct number), and possibly proof of residency such as a utility bill. Ypu may not need all that, but it saves you as trip home if it’s needed. Look for our QR code application flier at the register or tell a sales person you wish to apply with Mower Finance. They may also have their Mower Finance application link on their site or social media.

      That said, many people prefer to apply at home before they shop so they can gather any required documents easily and have privacy. Just let the store know when you arrive that you already applied and they’ll know what to do. We’re just a call away if you need any assistance: 888-509-1370.

      A: Be sure to check your junk email folder for crucial messages from info@terracefinance.com.

      If you did not receive an email with fulfillment instructions, it is possible there is a piece of missing documentation that is holding up your application. Some of our providers require banking information and other documentation. Please call for assistance from a live Customer Care team member at 888-509-1370 during business hours.

      Or go to your account by clicking the LOG IN link in the topbar at mowerfinance.com. Enter the email you used when applying. Click Forgot Password and follow the prompts to set a password. Once you are in the portal, click on Existing Applications to see the status or your offer.

      Please Note: Some but not all commercial applications are only processed on weekdays.

      CAN I GET APPROVED FOR A MOWER IF I HAVE BAD CREDIT?

      The answer is YES! But we dislike the terms “bad credit” or “challenged credit” or “subprime credit”. Can we just call it “less-than-perfect credit”? While we can’t approve everyone, it is our mission to help more people get the lawn mower they need through our hassle-free process. We’ve curated our payment solution provider network to provide options for a wide range of credits: good credit, average credit, challenged credit, as well as those with no credit history.

      How does Mower Finance get more people approved?

      • By having access to more payment solution providers at all credit levels, we can route your application with greater confidence.
      • Our providers do not base decisions solely on credit score. They look at factors like income, debt-to-income ratio, the nature of existing debt, payment history and more.

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